Applied yesterday online after i finished with penfed., got the approval for $2k. called and started bragging about other cards and limits. the rep asked a series of questions and then straight up denied me for any limit increase and said the discover card you have is pretty new and why do i need so much credit. i'll settle for 2k for now i guess
thanks,
Barclays approval
Started by
mininova
, Jun 06 2012 09:33 AM
8 replies to this topic
#1
Posted 06 June 2012 - 09:33 AM
#2
Posted 06 June 2012 - 09:38 AM
did you call the magic number? the analysts I spoken to have always been straight shooters, even a little too honest (do you know you have XXX in available credit?). congrats on the approval. which product?
#3
Posted 06 June 2012 - 09:47 AM
I don't necessarily think the rep being cautious and keeping you within Barclay's comfort zone makes him/her a low life..... Just my 2 cents.
Give it six months of use and ask for a CLI.
Give it six months of use and ask for a CLI.
Edited by Matti, 06 June 2012 - 09:48 AM.
#4
Posted 06 June 2012 - 09:52 AM
@matti
I just didn't like the way he denied me, that's all.. I will try in 6 months for sure
@hegemony
Barclaycard Rewards MasterCard®
I just didn't like the way he denied me, that's all.. I will try in 6 months for sure
@hegemony
Barclaycard Rewards MasterCard®
I don't necessarily think the rep being cautious and keeping you within Barclay's comfort zone makes him/her a low life..... Just my 2 cents.
Give it six months of use and ask for a CLI.
#5
Posted 06 June 2012 - 09:54 AM
well getting your foot in the door is great.
instead of a CLI, in 6 months you could apply for a co-branded card that offers rewards you can benefit from and them combine the limits if approved.
instead of a CLI, in 6 months you could apply for a co-branded card that offers rewards you can benefit from and them combine the limits if approved.
#6
Posted 11 June 2012 - 09:38 PM
Congrats. But I must say that calling a rep a low life because a credit increase did not happen is a bit childish. Secondly, HEY enjoy the limit. whats the need to have more than 2k on the card. That's a sizeable limit. I have had nothing but great experience with RECON reps at Barclays. VERY HELPFUL CHAPS
#7
Posted 12 June 2012 - 03:10 AM
The analyst is just being cautious. For the same reason your FICO is punished by inquiries & new accounts (= credit seeking behavior), the analysts are curious as to why you may be suddenly needing access to so much credit. Suddenly un(der)employed? Piling up medical bills? Think about it.
#8
Posted 12 June 2012 - 04:26 AM
Love Barclays and their CSA!
#9
TrevorHere
- Mod Squad
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- 26,575 posts
Bad Influence
Posted 12 June 2012 - 07:39 AM
Congrats on the card. As others said, use the card for 6 months and hit them up for an increase. Barclays is very responsive to usage.
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